FinanceCalc Δ — Universal Finance Calculator

All-in-one finance calculator: loan, mortgage, simple and compound interest, savings, ROI and inflation.

Select a mode, enter known values and press “Calculate”.

Note: This tool uses simplified school-level finance formulas and assumes annual interest rate in percent (%).

FinanceCalc Δ — All-in-One Finance Calculator

FinanceCalc Δ is a universal finance calculator that combines several popular tools in one place. It helps you quickly estimate loan payments, mortgage costs, savings growth, investment returns, compound interest and the effect of inflation on money.

What you can calculate here

  • Loan — monthly payment — calculates fixed monthly payment, total amount paid and total interest for a loan, based on loan amount, annual interest rate and term in years.
  • Mortgage — payment & totals — calculates down payment, loan amount, monthly payment, total paid and total interest for a mortgage using property price, down payment percentage, rate and term.
  • Simple interest — shows how much interest you earn with a linear (simple) interest model and what the final amount will be after a given number of years.
  • Compound interest — calculates future value of an investment when interest is added to the principal each year (interest on interest), plus the total interest earned.
  • Savings with monthly deposit — combines initial balance and regular monthly deposits with interest to show future savings value, total contributions and interest part.
  • Investment ROI — calculates profit and return on investment (ROI, in %) based on initial and final value of an investment.
  • Inflation impact — estimates how the price of a good or service may change in the future with constant annual inflation rate over a chosen number of years.

How to use

1. Select the calculator mode from the dropdown list at the top.
2. Enter the required values in the fields (amount, rate, term, etc.).
3. Click “Calculate” to see the result with key numbers on one line.

This calculator uses simplified finance formulas and assumes that interest rate is given as an annual percentage. It is designed for quick estimations and educational purposes, not as professional financial advice.

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